.png)
FHA MaxONE Home Assist Program
Helping Buyers Purchase & Cover Closing Costs in One Loan
Our FHA MaxONE Home Assist Program makes homeownership more accessible by combining a primary FHA loan with a down payment assistance (DPA) second, allowing borrowers to cover closing costs and reduce out-of-pocket expenses. With no income limits, flexible credit requirements, and options for first-time or repeat buyers, this program is designed to make the buying process smoother and more affordable.
FAQs
What is the maximum combined loan-to-value (CLTV)?
Up to 101.5% (96.5% FHA First + 5% DPA).
​
What is the purpose of the 5% DPA?
It can cover borrower closing costs, making the home purchase more affordable upfront.
​
Is there an income limit?
No, there are no income limits for this program.
​
Who can qualify for this program?
Borrowers purchasing a 1–2 unit primary residence, whether first-time buyers or repeat homeowners.
​
What are the minimum credit score requirements?
620 for AUS approvals and 660 for manual underwriting.
​
Can this program be used for refinances?
No, it is designed specifically for purchase transactions.
Why This Program Works for Buyers Who Need Flexible Financing
This program removes two of the biggest hurdles for buyers — covering the down payment and closing costs — by combining an FHA First with a DPA Second. The structure allows clients to conserve cash for other needs while still locking in the benefits of FHA financing.
A Smarter Way to Make Homeownership Affordable
By eliminating income caps and allowing the DPA to cover closing costs, FHA MaxONE creates a clear path to ownership for more borrowers. Whether helping first-time buyers step into the market or enabling repeat buyers to move without draining their savings, it’s a solution that delivers confidence and affordability in one package.